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Yeah, the manager just phoned to say she's going to refund the charges tomorrow so I'm going to close it right after that. So glad this got resolved quickly.

A happy ending! RBOS got back to me today and are going to refund all the charges! Scary letters with legal jargon actually work! Thanks for your all your help and good luck to everyone.

According to my last statement the overdraft was -5.12, but they said that they would take the charges off my account so I assume that will bring it to -£61.12. So, thus far they will have charged me £62. I'll send the DPA letter off tomorrow, but I'll have to phone my bank to find out the date that my account was opened, as I just have a vague idea. Thanks for your help!

Also, do you have to pay to request information via the DPA? If so, would I be able to claim this back from the bank as well? Who should I send this letter to - the Customer Services Manager that I sent my complaint to?

But can I close the account without paying the charges they've levied against me? You see I literally had just £0.88 in my account meaning that because of these charges I'm now -£33.12 into my overdraft, which is increasing by £28.00 each month. I did tell my local branch that I wanted to close my account and I made this clear in the letter I sent out today. But shouldn't I wait until I've given them a chance to refund these charges to my account? Otherwise I'll have to give them the cash up front, without any guarantee that I'll get it back.

I'm pretty positive I don't have the T&Cs as it was so long ago and I tend to just keep the statements and throw out all the rest of the bumpf banks send out! Plus I was very young and too busy admiring my shiny new money box. I definitely haven't used my account since I was at least fifteen, I don't even know where my card is, never mind what my pin number is. My local branch told me yesterday that they updated my account because I was now too old for their 'Route 21' account so they automatically put me onto 'Royalties'. I remember getting the leaflet a while ago and glancing at al

My sad story: I opened an account with RBOS when I was a very young (for a free money box I think!) and I haven't used this account at all since I was about 15, (switching to HBOS with whom I've had no problems) but have never gotten around to closing it as I'm away from home at university and just use my other student account. So it was sitting there with 80pence in it, getting about a penny interest a year, and then last month I received a statement saying that I have gone over my overdraft limit and am now being charged a 'Maintenance Charge' of £28.00 a month. This is without me usin

Yikes! Sorry! I just thought this was general discussion on RBOS. My mistake.

I opened an account with RBOS when I was a very young (for a free money box I think!) and I haven't used this account at all since I was about 15, (switching to HBOS with whom I've had no problems) but have never gotten around to closing it as I'm away from home at university and just use my other student account. So it was sitting there with 80pence in it, getting about a penny interest a year, and then last month I received a statement saying that I have gone over my overdraft limit and am now being charged a 'Maintenance Charge' of £28.00 a month. This is without me using my account for se